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SBA 7(a) franchise lending portfolio
Loyal Trust Bank
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $20.8M
- Avg loan size
- $1.6M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.51%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| American Deli | 2 | $395K | — |
| Best Western - Membership Agre | 2 | $7.9M | — |
| OYO - Marketing and Operationa | 2 | $3.4M | — |
| Days Inn by Wyndham | 1 | $1.4M | — |
| Paris Baguette | 1 | $988K | — |
| bb.q Chicken | 1 | $814K | — |
| Wnb Factory | 1 | $655K | — |
| Chevron - Retail Supply Contra | 1 | $1.5M | 0.0% |
| Cary Oil Company Inc - Complet | 1 | $3.1M | — |
| Tin Drum Asian Kitchen | 1 | $684K | — |
Lending volume by year
4'21
2'22
2'23
1'24
4'25
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), Critical (>20%).